I think it's great that you use privacy-enabling tech, and developing these is valuable in my eyes. But nothing about your setup screams "mass adoption" to me. I'll spare everyone the mobile OS adoption charts, and browser adoption isn't looking better.
You just can't put out an on-par mobile service nowadays without an app in Play and Apple's store. I don't like it, but it is what it is.
Okay, Wero does not have a web application at the moment. Valid criticism.